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United India Third-Party Car Insurance
Third-party car insurance is mandatory for all cars as per the Motor Vehicle Act 1988. Third-party refers to any property or person other than the insured themself. United India's third-party car insurance covers liability that arises when the insured car damages a third-party property or person. It not only fulfills the financial liability but also helps to deal with legal requirements.
Features of United India Third-Party Car Insurance
To know more about third-party insurance, let’s discuss its features:
- 01
Easy to Claim
United India offers a convenient process for the settlement of claims in third-party car insurance. It usually settles the claim directly without involving the insured in the process.
- 02
Legal Protection
Third-party insurance is mandatory under Indian law, and non-compliance may lead to penalties. Thus, purchasing third-party car insurance from United India helps to get legal protection.
- 03
Financial Protection
United India car insurance provides financial assistance to tackle third-party costs relating to the accident. It helps to avoid a financial burden for the insured.
- 04
Convenient Purchase
There is no requirement for much documentation and proof of third-party insurance in the United India Insurance Company. An easy process and simple documentation make it easier for the insured to purchase this mandatory insurance plan.
Motor Insurance Plans By United India
Inclusions and Exclusions of United India Third-Party Car Insurance
United India Car's third-party Insurance covers some car-related expenses and excludes some of them. Here is the proper information about inclusions and exclusions:
What it Covers
Damage to third-party property
Any damage caused to any other property can be covered under third-party car insurance up to the limit of 7.5 lakh in United India.
Death or injury of the third party
If your car injures any individual or someone dies in an accident, United India car insurance provides coverage without any limit to the injured party.
Personal damage cover
The insured is provided with add-on coverage of up to Rs. 15 lakh. It covers expenses relating to the insured's accidental death or severe disability.
What Does it not Cover
Damage to Your Car
Third-party insurance does not cover any damage to your own car.
Car Theft
If your car is stolen, you will not receive any compensation under this policy.
Drunk Driving
If you are drunk and meet with an accident, no coverage is provided even to the third party.
Learning to Drive
If you are learning to drive, this insurance does not cover accidental damage.
Claim Process for Third-Party Insurance in United India
To claim your car insurance policy with United India, you have to go through the following steps:Step 1 Call United India and inform them about the accident. Step 2 Leave your car at the location for inspection in case of an intense accident.Step 3 Inform the nearest police station in case of severe injury or death.Step 4 Share the required documents with the United India Insurance company.Step 5 After a satisfactory inspection, the company will pay the claim amount.
Documents Required to Claim Third-Party Insurance
To claim your third-party insurance in United India, you should have the following documents:Policy DocumentRegistration Certificate of a CarDriving LicensePhotos of Accident SitesFilled Claim FormPhotos of Accident Sites
Disclaimer: Please refer to your policy documents to know the exact coverage.
FAQs
Yes, third-party insurance provides compensation for any severe injury or death of the insured through a personal coverage add-on.
You will be eligible for coverage up to the limit of 7.5 lakh if your car damages a third party’s property.
To claim third-party insurance for your car, you need the following documents:Policy DocumentRegistration Certificate of a CarDriving LicensePhotos of Accident SitesFilled Claim FormPhotos of Accident Sites
Some of the main benefits of purchasing car insurance are as follows:Easy to ClaimLegal ProtectionFinancial ProtectionConvenient Purchase